Capital Manager
Your family’s money, by time horizon
Cap-Man sorts every account into four buckets, reads your statements with AI, and keeps SEK and USD side by side.
Four buckets, one plan
Money has a job and a date. Cap-Man groups it by when you will need it, so a market dip never lands on next year’s rent.
Buffer
Within 3 years
Money you may need within about 3 years, kept in savings: emergency months of spending plus goals coming soon.
Preserve
3 to 9 years
Money for goals 3 to 9 years away: a balanced mix that moves safer as each date gets closer.
Growth
10 years or more
Money you will not need for 10 years or more: broad, low-cost global equities for compound growth.
Play
Flexible
A small, optional slice for individual stocks or ideas you believe in, kept to a share of Growth.
From scattered accounts to one view
Bring in your accounts
Link a bank through Plaid or Enable Banking, or upload a PDF, CSV or Excel statement from any bank or broker.
See them against your plan
Each account sits in a bucket, so you can see how your money lines up with when you will need it.
Ask for guidance
An AI advisor answers questions about what you have added. It gives guidance, not regulated advice.
AI proposes. You confirm.
AI does the reading and sorting, and nothing is treated as fact until a person says so.
Statements
AI reads a file and works out what it contains. You review everything before it is saved.
Classifications
Funds and securities are classified from their names and marked as proposed until you confirm them.
Categories
AI can review transaction categories as a background job, so you keep working while it runs.
Built for a household
Roles that fit a family
Owners, members, accountants and viewers each get the access that suits them.
Tokens stay encrypted
Bank connection tokens are stored encrypted, and signing out clears cached financial data from the browser.
A read-only advisor
The AI advisor can look at your data but cannot change it, and treats statement text as data, never as instructions.